Allianceone Receivables Management, Incorporated

August 7, Dear [redacted] ***:I am writing in response to the concerns expressed to your office by [redacted] on July 30, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc[redacted] states in his complaint that AllianceOne failed to provide him with validation within days and are wrongfully credit reporting his account.AllianceOne was referred account (# [redacted] ) by [redacted] on May 27, with a balance of $On May 27, we mailed a placement letter to [redacted] to inform him that his account was referred for collectionsOn June 5, AllianceOne received a certified letter from [redacted] to cease communication and provide verification of his debtWe immediately ceased his account and marked as a cease communicationOn June 12, we received additional correspondence from [redacted] requesting validation of his debtA request was sent to our client that day.All collection activity was ceased at that pointWhen we did not receive validation from our client in days the account would normally have been closed and the consumer notifiedHowever, a failure in our process resulted in the account not being marked as a dispute but as a cease communicationsAs a result our system did not trigger the systemic control to generate a letter informing the consumer of the results of our dispute investigation or notify the credit reporting agencies to delete the trade line.Please accept this letter as confirmation that on August 1, AllianceOne submitted a request to the credit bureaus to delete its tradeline from [redacted] ’s credit reportsOur request was submitted electronically (via E-Oscar, confirmation # [redacted] ) which should expedite the removalAllianceOne does not control how promptly the bureaus remove an item (or if they in fact remove it), but typically an item is deleted within three weeks.We have returned [redacted] ’s account to [redacted] for their handlingIf he has any additional questions or concerns he may want to contact [redacted] directly at ###-###-####.We strive to provide a positive customer experience and apologize to [redacted] for any difficulties this may have caused himWe appreciate this matter being brought to our attention so that we may address the internal deficiency with the employee involvedPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,Carol E [redacted] Compliance Officer AllianceOne Receivables Management, Inc

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:This response is to the incorrect personYou provided a response in regards to [redacted] , that is not who I am and this is not in response to my complaint that I filed on April 22, Regards, [redacted] ***

From: Carol E*** < [redacted] @allianceoneinc.com>Date: Tue, Aug 25, at 10:AMSubject: ID [redacted] ***To: [redacted] @myRevdex.com.org Dear [redacted] ***, Please extend us an extension regarding [redacted] ***’ complaint so that we may fully investigate his issue Regards, Carol E [redacted] Compliance Officer AllianceOne Receivables Management, IncOffice: ###-###-#### Toll Free: ###-###-#### E-mail: [redacted] @allianceoneinc.com

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you for your response Regards, [redacted]

May 5, Revdex.com Attention: [redacted] Online Response Re: [redacted] ID #: [redacted] Dear ***: I am writing in response to the concerns expressed to your office by ** [redacted] on May 2, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc Our records indicate that during our efforts to contact our consumer, your telephone number was provided as a good point of contact for our customer Please be advised that our calls were not meant to be harassing as we were attempting to reach our customer regarding a personal business matter Please be advised that our organization strives to adhere to the rules and regulations that govern our industry, including those that pertain to skip-tracing It is never our intent to harass anyone At this time, I can confirm that your telephone number ###-###-#### has been removed from our system and you should not be receiving any further calls We strive to provide a positive customer experience while resolving account concerns, and we thank you for bringing ** [redacted] ’s issues to our attention Please let me know if I can be of further assistanceI can be contacted at ###-###-#### Very Respectfully, [redacted] Compliance Officer AllianceOne Receivables Management, Inc

December 9, 2015Dear [redacted] ***: I am writing in response to the concerns expressed to your office by [redacted] on December 3, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc[redacted] states that she agreed to settle her [redacted] *** account and that she requested a letter outlining said agreementShe was advised that a letter regarding the arrangement would be sent to her but has not received itShe is requesting a letter showing that she settled her account and that credit reporting be updated[redacted] referred to AllianceOne for collection account # [redacted] ; client reference (# [redacted] ) on July 24, with a balance of $345.55.On October 27, [redacted] agreed to settle her [redacted] account for $to be made in two payments November 13, for and November 20, for On November 30, a letter was sent to [redacted] via e-mail to [redacted] @***.com informing her that her account had been closed as “settled in full”We have attached the letter for [redacted] ***’s records [redacted] should be advised that AllianceOne does not credit report on [redacted] accounts as the bank does that directly, we have however notified them that this account has been settled by [redacted] *** [redacted] is encouraged to contact [redacted] directly regarding any credit reporting questions she may have at [redacted] We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted] ***’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at [redacted] Very Respectfully,Regards, Carol E [redacted] Compliance Officer AllianceOne Receivables Management, Inc

October 9, 2014Dear [redacted] ***: I am writing in response to the concerns expressed to your office by [redacted] on October 7, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc [redacted] states in his complaint that he has a ticket he tried to modify through [redacted] Municipal Court and it arrived to them late and his account was referred to AllianceOneHe states that AllianceOne is applying interest to the accounts during the process of attempting to obtain a hearing from the court.AllianceOne was referred two accounts # [redacted] ticket # [redacted] and account # [redacted] ticket # [redacted] both from [redacted] Municipal Court on July 24, and November 12, with balances of $and $respectivelyThey currently show balances of $and $which includes accrued interestIn the state of Washington the person receiving a violation has days to respond to their ticketSince [redacted] did not respond in the allotted days he was found guilty and his accounts assigned for collections and is responsible for certain amounts under State law(See RCW [redacted] provides: Penalties, fines, bail forfeitures, fees, and costs may accrue interest at the rate of twelve percent per annum, upon assignment to a collection agencyThis account began accruing interest upon assignment at the rate of 12% per annum, or 1% per month.) If [redacted] Municipal Court agreed to reduce his ticket the interest would be reduced proportionatelyAdditionally if the client decided to cancel the ticket the interest would also be cancelledWe strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted] ’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully, Carol E Compliance Officer

Dear [redacted] ***,I am writing in response to the concerns expressed to your office by [redacted] on May 23, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc[redacted] l states in her complaint that we called her home phone number attempting to reach an individual who did not reside at the residence and that she wishes to no longer be contacted by our company.Our records indicate that during our skip-tracing efforts [redacted] ’s telephone number was provided as a good point of contact for our customerOur call was not meant to be harassing as we were attempting to reach our customer regarding a personal matterOur organization strives to adhere to the rules and regulations that govern our industry, including those that pertain to skip-tracingIt is never our intent to harass anyone.Upon receiving [redacted] ’s complaint we removed her telephone number from our system, we sincerely apologize for any inconvenience this may have caused.We strive to provide a positive customer experience while resolving account issues and we thank you for bringing [redacted] ’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at 1- [redacted] .Very Respectfully, Mercedes M [redacted] Compliance Officer AllianceOne Receivables Management, Inc

Complaint: [redacted] I am rejecting this response because you are literally just re-stating your prior responseI provided you proof of my lease ending before these charges were incurredI can provide you proof of my other lease that started in JUNE of 2013...in [redacted] CALIFORNIAI was not residing in [redacted] at any time during AugustI refuse to pay for electricity and gas that I did not use as I was not residing in the apartment My phone # is ###-###-####I expect a phone call from someone at AllianceOne to resolve this over the phoneAnd no, I will not accept a call from someone whom has no ability or idea how to handle this...which is the entire reason I am reporting this to Revdex.com...because AllianOne seems to rely on just repeating the same statements over and over again without actually doing any semblance of due diligence.My most sincere regards, [redacted] ***

November 10, Dear [redacted] ***: I am writing in response to the concerns expressed to your office by [redacted] on November 6, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc [redacted] states in his complaint that AllianceOne Receivables Management, Incis reporting a debt he does not owe to the Credit Reporting Agencies (CRA’s).AllianceOne was referred account # [redacted] by [redacted] on April 6, with a balance of and a letter notifying him that the account had been in collection at that timeOn October 2, [redacted] forwarded an e-mail disputing this debt stating that he has never had service with [redacted] We marked his account as a dispute and requested validation from our clientValidation was mailed via US Postal Service mail on October 4, for [redacted] ***’s reviewOctober 23, [redacted] submitted another dispute with [redacted] stating the account was not hisThis account was closed and returned to our client on November 2, In addition [redacted] should be advised that on November 7, AllianceOne submitted a request to the credit bureaus to delete its tradeline from your credit reportsOur request was submitted electronically (via E-Oscar, confirmation # [redacted] ) which should expedite the removalAllianceOne does not control how promptly the bureaus remove an item (or if they in fact remove it), but typically an item is deleted within three weeksWe strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted] ***’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####Very Respectfully, Carol E Compliance Officer

I am writing in response to the concerns expressed to your office by [redacted] on April 26, appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.Mr [redacted] states that he has received a letter from AllianceOne regarding an E-ZPass violation for which he had already submitted payment twice.The Port Authority of NY & NJ referred to AllianceOne for collection ticket # [redacted] (client reference # [redacted] , violation T [redacted] 585-1) on April 18, with a balance of $65.00.Upon receipt of Mr***'s complaint, we forwarded his dispute to our clientThey have confirmed that a separate violation T [redacted] 294-in the amount of $was paid, however violation T [redacted] 585-(ticket # [redacted] ) in the amount of $is owed to the Port Authority of NY & NJ for using a dedicated E-ZPass lane without an E-ZPass deviceWe have enclosed validation for Mr***’s records.If Mr [redacted] has proof of a payment made for violation T [redacted] 585-(ticket # [redacted] ) we would encourage him to forward it so we may review it with the Port Authority of NY & NJ.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing Mr***'s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,Carol E [redacted] Compliance Officer AllianceOne Receivables Management, Inc

May 6, Revdex.com Attention: [redacted] Online Response Re: [redacted] ID #: [redacted] Dear ***: I am writing in response to the concerns expressed to your office by ** [redacted] on May 5, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, IncWe are sorry that ** [redacted] does not accept our responseWe have repeatedly stated our position on the various concerns he has expressed and we understand that he does not accept our responseWe regret that we are unable to resolve this matter to ** [redacted] ’s satisfaction but apparently that is the case We strive to provide a positive customer experience while resolving ticket concerns, and we thank you for bringing ** [redacted] ’s issues to our attention Please let me know if I can be of further assistanceI can be contacted at ###-###-#### Very Respectfully, [redacted] Compliance Officer AllianceOne Receivables Management, Inc

March 21, normal"> Revdex.com Attention: [redacted] Online Response Re: [redacted] ID #: [redacted] Dear ** [redacted] I am writing in response to the concerns expressed to your office by ** [redacted] on March 12, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc ** [redacted] states in his complaint that he has made contact with AllianceOne via written as well as phone correspondence He states that the AllianceOne agent was not helpful, and that the agent stated that they intended to submit this charge to the Credit Reporting Agencies ** [redacted] states that he does not feel that he has enough evidence to prove that this debt belongs to him ** [redacted] states that he has proof that he was not a resident at the apartment at the time the charges were incurred ** [redacted] has disputed these charges not only with our client, but with AllianceOne as well AllianceOne was referred account # [redacted] from [redacted] of [redacted] on January 28, It currently has a balance of $ AllianceOne received correspondence from ** [redacted] on February 8, disputing these charges He also sent a copy of his lease to prove that he did not live at the residence where services were being provided at the time the charges were incurred The account was marked as a dispute and telephone numbers ceased as is our process We additionally, requested verification of the debt from our client [redacted] responded that they never received any calls from ** [redacted] requesting the disconnection of service at the time he vacated the apartment When [redacted] did receive notice he was no longer the tenant at the address they disconnected service to the residence effective August 22, This is a valid debt owed by ** [redacted] and reflects the charges for service to that date they became aware he moved We have reviewed the one call made to our office from ** [redacted] and have determined that our agent followed the professional guidelines set forth by AllianceOneDuring that call ** [redacted] addressed the matter of credit reporting on the account, our employee was not sure if the matter had been reportedUpon review of our records AllianceOne has not reported this matter to any Credit Reporting Agencies We strive to provide a positive customer experience while resolving account concerns, and we thank you for bringing ** [redacted] issues to our attention Please let me know if I can be of further assistanceI can be contacted at ###-###-#### Very Respectfully, [redacted] Compliance Officer AllianceOne Receivables Management, Inc

August 7, 2016Dear [redacted] ***I am writing in response to the concerns expressed to your office by [redacted] on July 28, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc[redacted] states that he has been waiting for a refund from AllianceOne since May that was the result of an overpayment on his account.San Diego Superior Court referred to AllianceOne for collection account # [redacted] , client reference # [redacted] , on October 15, 2012, with a balance of $ [redacted] ’s account was referred to the Franchise Tax Board (FTB) on September 26, 2013, due to nonpayment of his account [redacted] ’s account reflects a zero balanceUpon receipt of [redacted] ’s complaint, we forwarded his dispute to our client for their review.During the May 20, 2016, call he updated his address with our agent and wanted to know when he could expect his refund [redacted] also updated his address with an agent on July 26, 2016.AllianceOne received an overpayment on [redacted] ’s account and issued two refund checks in the amounts of $and $on April 30, 2016, and May 31, 2016, respectively; the checks were sent to our client for their review and mailing per our agreement with the courtThe court mailed both checks to [redacted] ’s last known address on July 12, After [redacted] ’s refund checks were mailed, he notified us of a new addressWe stopped payment, reissued new checks, and they were mailed to his new addressThe checks were mailed [redacted] on August 3, 2016, with a tracking # [redacted] .We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted] ’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,Regards, Carol E***Compliance OfficerAllianceOne Receivables Management, Inc.Office: ###-###-####Toll Free: ###-###-####E-mail: [redacted] @allianceoneinc.com

July 23, 2014Dear ***:I am writing in response to the concerns expressed to your office by ** [redacted] on July 21, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.** [redacted] states in her complaint that the payment on her [redacted] is due on the 20th of each monthShe states that her June payment was late, and she was charged a fee, and that she received a letter from AllianceOne stating that her account was in collectionsShe states her account is now current and wants this matter closed.AllianceOne was referred account [redacted] by [redacted] on July 14, with a balance of $At the time of placement ** [redacted] 's' account was days past due [redacted] frequently refers its valuable customers to AllianceOne to assist them in addressing any hardship they may be encountering or to provide a helpful reminder of an oversight on their accountA collection letter was mailed to ** [redacted] , to fulfill a legal requirement, but at no time was her account in defaultShe is completely correct that her payment was only late and has since been received.We strive to provide a positive customer experience while resolving account concerns, and we thank you for bringing ** [redacted] 's issues to our attentionWe apologize for any confusion our letter may have caused herPlease let me know if I can be of further assistanceI can be contacted at [redacted] .Very Respectfully,

From: Revdex.com of Metro Washington DCDate: Fri, Jun 10, at 3:PMSubject: Fwd: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint # [redacted] .To: [redacted] < [redacted] @myRevdex.com.org>---------- Forwarded message ----------From: Carol E*** < [redacted] @allianceoneinc.com>Date: Fri, Jun 10, at 12:PMSubject: RE: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania complaint # [redacted] .To: Revdex.com Dear [redacted] ***,I would like to request an extension regarding the above mentioned complaint responseWe will submit no later than June 14, if you are agreeable with that.Regards, Carol E***Compliance OfficerAllianceOne Receivables Management, Inc.Office: ###-###-####Toll Free: ###-###-####E-mail: [redacted] @allianceoneinc.com

August 31, 2015Dear [redacted] ***:I write in response to the concerns expressed to your office by [redacted] on August 25, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc[redacted] states in his complaint he is requesting AllianceOne stop a garnishment and refund his overpayment.On August 24, AllianceOne received a call from [redacted] inquiring on how to stop the garnishment and asking when he would get a refund check for an overpaid amountOur agent attempted to clarify to [redacted] he would not be able to personally stop the garnishment however his employer would be able to stop it by contacting our legal departmentHe was advised that his employer could contact them directly by calling the number provided on the garnishment writ his employer was servedUnsatisfied with the call outcome, [redacted] contacted our consumer hotline and expressed his concernsI explained to [redacted] I would need to investigate this matters and I would contact him the following day.As I investigated his concerns it appeared that his employer appeared to be withholding too much money from his paycheckI contacted our Legal department and they agreed and faxed documents to release the garnishment on [redacted] ’s pay checkA request was submitted to our posting department which expedited the refund process for [redacted] On August 26, 2015, check number 3601737, in the amount of $90.28, was sent to him via [redacted] overnight service to [redacted] ’s addressHe should have the refund at this time.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted] ’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,Daisy M [redacted] Compliance Officer ###-###-####

I am writing in response to the concerns expressed to your office by Ms [redacted] on July 8, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc.Ms [redacted] states in her rejection to our response that she has provided information to locate the account being reported to the Credit Reporting Agencies (CRA’s)That AllianceOne has been unable to locate an account and that she has contacted the (CRA’s) who told her that we should remove the tradeline if unable to locate an account.Upon receiving Ms [redacted] ’s rejection to our initial response we again tried to locate an account in our office for herWe are still unable to locate any account with Ms [redacted] ’s name, address provided, telephone number or by social security numberWe would encourage Ms [redacted] to provide a copy of her credit report in an effort to resolve this matter.As stated previously unfortunately for AllianceOne to remove a tradeline we must be able to tie the removal to an account numberAllianceOne provides the account number to the consumer reporting agencies when credit reporting and they should provide it to the consumer when issuing a credit report to allow us to locate a consumer’s account in this kind of situationAt this time the best way for Ms [redacted] to have the tradeline removed is to dispute it directly to the Credit Reporting Agencies (CRA’s) as they will have record of who reported it to them and the specific account informationThey will then then notify AllianceOne of the dispute with identifiable account information.We apologize for the difficulty Ms [redacted] has experienced and would very much like to help her resolve the matterMs [redacted] may feel free to contact me directly in an effort to resolve this matter.We strive to provide a positive customer experience while resolving account concerns and we thank you for bringing Ms [redacted] ’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####.Very Respectfully,Carol E [redacted] Compliance Officer AllianceOne Receivables Management, Inc

December 5, 2014Dear [redacted] ***: I am writing in response to the concerns expressed to your office by [redacted] on December 3, I appreciate the opportunity to respond on behalf of AllianceOne Receivables Management, Inc [redacted] states in his complaint that he has not received any correspondence with regard to this debt and that it is being reported to the Credit Reporting Agencies (CRA’s).AllianceOne was referred account # [redacted] by [redacted] on October 9, with a balance of $Upon referral of his account a letter was sent on October 13, informing him that his account had been placed for collectionsOur letter was returned on October 31, as undeliverableWe have also attempted to contact [redacted] four times by phone without successOur policy is to notify the consumer in writing of an account for collection and wait at least days prior to reporting to any CRA’sUnfortunately, the last known address provided to us by the creditor was not the current address for [redacted] .If [redacted] has any questions concerning his account, he may speak with an agent at ###-###-####An agent will be able to discuss his account in greater detailIn addition an agent may be able to provide him with payment optionsWe strive to provide a positive customer experience while resolving account concerns and we thank you for bringing [redacted] ’s issues to our attentionPlease let me know if I can be of further assistanceI can be contacted at ###-###-####Very Respectfully, Carol E Compliance Officer